There's nothing like a good night's rest, and going through days, weeks, months without one can be torture. Your workflow, your energy levels, your social life all lag if you aren't clocking consistent quality sleep. In America today the number of young adults seeking sleeping pills and other aids is staggering and also unhealthy. Sleeping pills and the like tend to create dependency and fail to solve the root cause of poor sleep. So here are some simple and easily implemented hacks that can help you ride the waves of your body's natural energy cycles better and sleep like a champ. Who wants to be better at sleeping? I know I do.
Proper Nap Time
During the course of the day our bodies hit a natural energy plateau. That means daily around 1-3 we start to feel pooped. It's apart of the bodies natural rhythm and if you must nap, this is the optimal time of the day for it. A quick 15-30 minute nap will revitalize your life and put you into high gear for the second half of the day. And for my coffee drinkers who'd like an added boost, try a little coffee before your nap, the caffeine takes about 20 minutes to kick into action, so you'll arise from your nap with an extra kick.
Clear Your Mind
How many of us have found ourselves laying in the bed with our minds racing too fast to actual enter into a restful state of mind? Two to three hours before bed, start to let go of the day. Leave the office at the office. Your bed is your sanctuary. A very powerful hack is to write down whatever is worrying you before falling asleep - expressing gratitude that your mind will find a solution through the night, then rest easy. This technique has helped people sleep with peaceful minds since antiquity.
Watch What You Eat
While diet is important all the time, particularly for a good nights rest you should be mindful of your intake. Try not to eat super heavy foods right before bedtime. The digestive system uses a large amount of active energy in the body in order to break down foods and disperse nutrients. It's like having an active system going on in your body while you're also telling it to rest. A nice filling meal a few hours for bed - and once your body is finished it's digestive work, it will be nice and tired, and prepared to enter that restful state.
Regular exercise is clutch, and helps keep the body balanced. Be wary of exercising too near to bedtime however as the post work out energy boost will do more to keep you awake than put you to sleep. Use that post energy boost to kickass before bedtime and then you'll be nice and puckered out. Light mind-body activities like tai chai and nighttime yoga routines are also really great ways of diffusing energy, and relaxing the muscles in preparation for sleep mode.
Lights Out, Power Off
Do all you can to create a pitch black and quiet undisturbed sleep environment. All the little lights from your electronics actually interfere with your sleep. Cover the digital display of your alarm clock, cable box, or dvd player, etc. Even turning your cell phone off for the night is suggested. Aside from its rings, dings, vibrations, and lights - studies show that EMFs emitted from your cellular devices disrupts sleep patterns.
Keeping the bedroom between 67-72 degrees Fahrenheit is ideal. Too hot or too cool and the body cannot properly enter and maintain sleep mode as it also undergoes the restorative processes of rebuilding your body. Fresh clean bedding also promotes a cool clean happy sleeping feel.
What To Do If You Wake Up in the Middle of the Night
Its not unnatural for people to wake up in the middle of the night, and it's something you shouldn't fight. Back in older times we held two sleep sessions - one earlier and one later. The time in between these sleep sessions would be used for such great undertakings as reading, having sex, thinking, writing. These are the golden hours so seize them. This promotes a very healthy and satisfied second round of sleep. Remember the aim is also the quality and restorative depth of the sleep, not just the number of hours.
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.
There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).
After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.
It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.
That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.
I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.
Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.
Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).
More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.
The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.
I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.
My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.
In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.
We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.
I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.
One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.
Here are 5 reasons why we are obsessed with horse racing thanks to TVG:
1. Betting has never been easier
Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.
2. The biggest selection of horse races out there
If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.
3. Get a generous sign-up offer when you place your first bet
Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.
4. Making deposits and cashing out at the touch of button
With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!
5. Watching live races with your friends while betting is exhilarating
Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.
With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.
TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.
The races just keep ramping up and thanks to TVG, I can always get in on the fun.